Toyota RAV4 Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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U.S. average insurance rates for a Toyota RAV4 Hybrid are $1,198 a year for full coverage. Comprehensive costs an estimated $250, collision costs $424, and liability insurance is $388. A policy with just liability insurance costs around $434 a year, with coverage for high-risk drivers costing around $2,584. 16-year-old drivers pay the highest rates at $4,498 a year or more.
Average premium for full coverage: $1,198
Price estimates broken down by individual coverage:
Estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different RAV4 Hybrid trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Toyota RAV4 Hybrid insurance prices go from as low as $434 for minimum levels of liability insurance to a much higher rate of $2,584 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.
The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows estimated Toyota RAV4 Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $694
- Raising to $1,000 deductibles will save approximately $154 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,198
- Buying more expensive low deductibles will increase the cost to $1,492
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,584 or more
- The price for full coverage for a teen driver with full coverage can cost as much as $4,498
Insurance prices for a Toyota RAV4 Hybrid are also quite variable based on your driving record, the trim level of your RAV4 Hybrid, and liability limits and deductibles.
An older driver with a clean driving record and high deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age
The state you live in also has a big influence on Toyota RAV4 Hybrid insurance rates. A middle-age driver might find prices as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,710 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,080 | -$118 | -9.8% |
| Alaska | $916 | -$282 | -23.5% |
| Arizona | $994 | -$204 | -17.0% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,362 | $164 | 13.7% |
| Colorado | $1,140 | -$58 | -4.8% |
| Connecticut | $1,226 | $28 | 2.3% |
| Delaware | $1,350 | $152 | 12.7% |
| Florida | $1,492 | $294 | 24.5% |
| Georgia | $1,104 | -$94 | -7.8% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $890 | -$308 | -25.7% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $806 | -$392 | -32.7% |
| Kansas | $1,134 | -$64 | -5.3% |
| Kentucky | $1,630 | $432 | 36.1% |
| Louisiana | $1,770 | $572 | 47.7% |
| Maine | $738 | -$460 | -38.4% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $954 | -$244 | -20.4% |
| Michigan | $2,076 | $878 | 73.3% |
| Minnesota | $1,000 | -$198 | -16.5% |
| Mississippi | $1,430 | $232 | 19.4% |
| Missouri | $1,062 | -$136 | -11.4% |
| Montana | $1,282 | $84 | 7.0% |
| Nebraska | $942 | -$256 | -21.4% |
| Nevada | $1,434 | $236 | 19.7% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,334 | $136 | 11.4% |
| New Mexico | $1,054 | -$144 | -12.0% |
| New York | $1,258 | $60 | 5.0% |
| North Carolina | $688 | -$510 | -42.6% |
| North Dakota | $978 | -$220 | -18.4% |
| Ohio | $824 | -$374 | -31.2% |
| Oklahoma | $1,226 | $28 | 2.3% |
| Oregon | $1,094 | -$104 | -8.7% |
| Pennsylvania | $1,140 | -$58 | -4.8% |
| Rhode Island | $1,592 | $394 | 32.9% |
| South Carolina | $1,084 | -$114 | -9.5% |
| South Dakota | $1,008 | -$190 | -15.9% |
| Tennessee | $1,044 | -$154 | -12.9% |
| Texas | $1,440 | $242 | 20.2% |
| Utah | $884 | -$314 | -26.2% |
| Vermont | $816 | -$382 | -31.9% |
| Virginia | $716 | -$482 | -40.2% |
| Washington | $920 | -$278 | -23.2% |
| West Virginia | $1,096 | -$102 | -8.5% |
| Wisconsin | $824 | -$374 | -31.2% |
| Wyoming | $1,062 | -$136 | -11.4% |
Opting for high physical damage deductibles can reduce prices by up to $450 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
| 2023 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2022 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2021 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2019 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
| 2018 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2017 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Toyota RAV4 Hybrid Insurance
Getting lower rates on Toyota RAV4 Hybrid insurance consists of having a good driving record, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least every other year by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The next list is a review of the car insurance concepts raised in the charts and tables above.
- High-risk drivers who have several accidents or serious violations pay an average of $1,390 more annually to buy Toyota RAV4 Hybrid insurance
- Drivers can save approximately $140 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $450 each year
- Drivers who want increased levels of liability coverage will pay around $430 each year to raise from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,498 |
| 20 | $2,748 |
| 30 | $1,242 |
| 40 | $1,198 |
| 50 | $1,094 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,354 |
| $500 | $1,198 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,276 |
| 100/300 | $1,373 |
| 250/500 | $1,625 |
| 100 CSL | $1,314 |
| 300 CSL | $1,528 |
| 500 CSL | $1,683 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,410 |
| 20 | $4,376 |
| 30 | $2,634 |
| 40 | $2,584 |
| 50 | $2,464 |
| 60 | $2,442 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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